Job Responsibilities • Implement the approved sales/service plans to achieve growth objectives of bank by agreeing micro level sales/service delivery plans with BM/RM. • Conduct market assessment/research to identify selling possibilities and new markets / areas and review the existing market / areas for final decisions in consultation with line manager. • Sells products by establishing contact and developing relationships with customers as per defined SOP of the bank. • Achievement of Targets/Objectives of sales in assigned areas with best ethics and moral practices by following SOPs • Ensure target achievement through genuine sale by avoiding family loaning, activist base lending and adjustment lending. • Make business of company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank. • Marketing of company products and make strategy in this regards • Identifies business opportunities by identifying prospects and evaluation of position of the industry. • Evaluation of customer’s profile by adopting of five C’s of credit. • Dissemination of terms and conditions of the products offered by the customers • Ensuring on track performance by conducting physical verification of the prospective clients. • Ensure proactive collection, perusal timely repayment of loans by communication with clients and ensuring hundred percent collections of loans by following SOPs of the bank. • Extra care must be taken while handling of customers legal documents to avoid any misuse. • Guide customers to deposit their loan repayments at cash counter only. • Avoid cash handling of any customers of the bank while performing RO function however in case of collection from field, proper strict compliance of collection manual must be ensured. • Preparation of weekly field activity planner and deviation marking in consultation with LM. • Ensure Monthly/Quarterly meeting of customers as per defined products program. • Conduct loan booking in strict compliance with bank’s policies, procedures, ethics, and standards. • Ensure continuous review of product and services related knowledge and recommend areas of improvement through personal/client feedback. • Meet internal service standards and ensure no service related complaints are received from customers by following bank fair treatment of customer policy. • Developing and sustaining long-lasting relationship of the bank with customers • Report cases with intent of fraud or prospective loss to the bank by internal or external customers in any form to his line Manager/HOD. • Ensure compliance of bank products SOPs and SBPs rules and regulation • To safeguards reputation of the bank to avoid any financial, operational and market loss by adopting internal control standards in true letter and spirit.
Qualification • Hold a Bachelor’s degree from a reputable Institution, however MBA will be preferable. • Preferably have at least 1-2 years’ experience in related field.
Essential Skills • Aptitude for persuasion and negotiation • Proficient in MS Office • Sound communication and interpersonal skills • Product and process knowledge • Convincing and selling skills • Negotiation skills • Client Relationship • Meeting sales goals • Motivation for sale • Credit need assessment/client appraisal • Collection management
Desirable Skills • Fluent in the local language • Ability to work under pressure
Hold a Bachelor’s degree
Good Presentation Skills